Schutzee:

Thanks for the link....it looks like it covers only "ING Direct, Paypal, Emigrant Direct, or CashEdge/ACH push transfers as direct deposits"

Anyway, I may have to come back and read the whole thread, which is pretty long.

Just now I am going to try an external transfer from my Citi Bank account to the Chase account ... at least Citi is asking for the routing number! ...and wait, if it counts as a "direct transfer" and I get the 10,000 miles.

BTW, the Chase Personal Banker was really great. He also used a "voucher" .. win a friend or so ... and both receive $25.... those vouchers are also in the package you receive after opening the account.
Thanks again^